Call reports 2022
BAYFIRST NATIONAL BANK — 2022
What BAYFIRST NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 888,441,000 | 921,274,000 | 930,175,000 | 938,661,000 |
| Total loans | 638,229,000 | 716,409,000 | 752,895,000 | 729,066,000 |
| Allowance for loan losses | 10,170,000 | 9,564,000 | 9,739,000 | 9,046,000 |
| Securities available for sale | 41,656,000 | 45,283,000 | 42,916,000 | 42,349,000 |
| Securities held to maturity | 2,000 | 5,017,000 | 5,008,000 | 5,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 771,642,000 | 766,193,000 | 786,385,000 | 795,628,000 |
| Interest-bearing deposits | 677,449,000 | 661,794,000 | 681,521,000 | 701,835,000 |
| Noninterest-bearing deposits | 94,193,000 | 104,399,000 | 104,864,000 | 93,793,000 |
| Equity capital | 102,682,000 | 101,666,000 | 99,082,000 | 100,226,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,739,000 | 16,366,000 | 26,046,000 | 38,566,000 |
| Interest expense | 1,237,000 | 2,308,000 | 4,311,000 | 8,136,000 |
| Net interest income | 6,502,000 | 14,058,000 | 21,735,000 | 30,430,000 |
| Noninterest income | 18,844,000 | 36,723,000 | 23,077,000 | 31,484,000 |
| Noninterest expense | 27,277,000 | 52,515,000 | 40,578,000 | 53,725,000 |
| Provision for loan losses | -2,400,000 | -2,150,000 | -1,400,000 | -700,000 |
| Pretax income | 469,000 | 416,000 | 5,634,000 | 8,889,000 |
| Income tax | 121,000 | -43,000 | 1,213,000 | 1,996,000 |
| Net income | 348,000 | 459,000 | -614,000 | 1,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,247,000 | 99,462,000 | 97,941,000 | 99,270,000 |
| Total capital | 106,128,000 | 107,716,000 | 106,855,000 | 108,307,000 |
| Risk-weighted assets | 545,699,000 | 657,824,000 | 711,196,000 | 722,085,000 |